Citizens Bank Offer

Bonus Details

Earn $400 with a qualifying direct deposit. Payment is due by November 30, 2026 for July openings, December 31, 2026 for August openings, or January 31, 2027 for September openings.

How To Qualify

Open your first personal checking account through an Open Account link on the promotion page. Have one qualifying direct deposit of $1,000 or more post within 60 days of opening. Keep the account open and active with a positive balance through the payout date.

The Fine Print

Monthly Fees: $10
Credit Inquiry: Soft Pull
Household Limit: One-time bonus per customer. Primary signer must not have been a signer on any other Citizens personal checking or savings account within the previous six months.
Account Type: Personal Bank Account
Expiration Date: 9/30/2026
Additional Requirements: Primary signer may not be or have been a signer on any other Citizens personal checking or savings account within the previous six months.
Availability: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C.

Monthly Fee Details

One Deposit Checking has a $9.99 monthly maintenance fee that is waived when you make one deposit each statement period. Other checking products have different fees and waiver requirements.

Student Checking is free but only available to those under age 25.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

1 Bonus: To earn a $400 bonus, open your first personal checking account between 7/1/26 and 9/30/26 and have at least one single direct deposit of $1,000 or more post to your new checking account within 60 days of account opening. Eligibility: Primary signer may not be or have been a signer on any other Citizens personal checking or savings account within the previous six months. New account(s) must have a balance greater than zero and remain open and active through the payout date. Direct deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible direct deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Customer must open their first new account(s) via Citizens' online account opening system accessed by clicking on one of the links on this page. Citizens Private Bank® Checking and Citizens Private Bank® Savings accounts are not eligible for this promotion. Account opened in the month of: Single $1,000 direct deposit to first personal checking account: Bonus will be paid by end of day: July 2026 Within 60 days of account open date November 30, 2026 August 2026 Within 60 days of account open date December 31, 2026 September 2026 Within 60 days of account open date January 31, 2027 We have multiple checking options, for example if you open Citizens Quest® Checking the minimum opening balance can be of any amount. Monthly Maintenance Fee $0.00 or $9.99 Waive the monthly maintenance fee when you make one deposit each statement period Open Account Citizens Quest® Checking Easier banking with additional features and benefits.